Payments for SOB question

It is the same as any cashier's cheque. It is drawn on the bank
or building society funds. The question of whether or not someone
has enough funds to cover are checked by the bank before they
issue the cheque. The last time I bought a car from a dealer they
insisted on a cashier's cheque.

The question of forgery is a different matter.

Ken Young

 

Well, mainly from the point of view that some folk are paranoid about
giving any banking details away . As you rightly say you are giving
exactly the same information away with each cheque that you write.

I was dubious about this method at first but was reassured after
speaking to my bank about it. Anyway it worked out OK.

ernest

 

Using the patented Mavis Beacon "Hunt&Peck" Technique, Adrian

Heh. It always used to amuse me when I rang O2 to pay my mobile bill by
credit card. They always insisted on doing ID checks. I once asked them
whether they thought I might be an impostor ringing to fraudulently pay
my bill.

Mined ewe, these are also the people who kept disconnecting my phone
because I'd exceeded their pathetically low[1] limit. I'd then have to
contact them and pay the bill. I said to them "Why don't you let me know
if you're going to do this, so I can pay the bill and keep service?".
The reply? "How will we contact you?"...


[1] Since raised.
--
Wicked Uncle Nigel - Podium Placed Ducati Race Engineer As featured in
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Wicked Uncle Nigel () gurgled happily,
sounding much like they were saying :

I tend to go a bit postal when BT get some poor call centre muppet to ring
me and ask for a credit card number to pay my bill - "How do I know who YOU
are? Eh? Eh? You KNOW I'm ME - because I've answered my bloody phone..."

They've obviously marked my cards, because I'm back on a red bill and no

It's a good point - how WILL they contact you to tell you they've
disconnected your phone line?

 

I've had this when paying for ebay stuff - I ask if I can pay by direct
transfer instead of a cheque and I can hear the sucked teeth at the
other end of the email.
Me: "can I pay directly to your account"?
Them: "ooh no, I don't think so".
Me: "why not"?
Them: "I'd have to give you may bank details".
Me: "Er, yes. Do you realise you give these details whenever you write
a cheque (maybe to dodgy people who don't have 150+ ebay feedback)"?
Them: "Err...".

 

I despair, I really do.

 

I don't take electronic transfers because I don't do internet banking,
and so would have to wait until my next bank statement to see if the
cash had really been paid in.

 

Yebbut, you're a special case. Do you take cheques for the stuff you
sell?

 

Yes.

 

Then don't you also have to wait for your statement to see if the
cheques have cleared, or do you ask for the cheque guarantee card?

 

Good point.

FWIW, I look at the buyer's feedback. Most stuff I sell is £20 or less.
I figure someone who's got FB of several dozen-plus is not going to risk
it with a rubber cheque. So I send the goods when I get the cheque.

Buyers really like that, because they get the goods quicker, and I get
nice FB.

Single-figure FB buyers - yes, I wait for the cheque to clear.

So what I'm saying is that when I get the cheque, I know I've been paid,
and all's well with the world (I haven't had a rubber cheque yet, though
I'm sure I'll get one, one day). Whereas with electronic transfer, I
wouldn't know.

Postal orders, of course, are a different matter. They're as good as
cash.

 

You could try this method! ;-)

http://news.bbc.co.uk/1/hi/england/5294882.stm

Regards
Ross

 

It's only the Colonials bickering, nobody GAF

 

In the USA NO checks EVER! Not even cashiers checks!One scam is to get
the cashiers check,copy it,turn the original back in to the bank and
give the copy to the seller.Seller cashes and weeks later come back no
good.No bike no cash.Unfortunately even cash now has to be verified by
bank before exceptance as there are so many good forgeries of $100
bills.One shop got stuck for $4800 out of $6000 in bogus $100's.

 

There was a time that a building society cheque was sacrosanct, but not so
sure now.

Get him to withdraw cash in your presence ?
Keep bike until it clears ?

 

Somehow attach a mobile phone inside the petrol tank, then if the cheque
is a forgery he can be located with a simple phone call.

 

Much better if the phone can make a spark when called...